Word: fall
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Dates: during 2000-2009
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Home foreclosure isn't a legal abstraction for Yolanda Paschal, a recent graduate of the University of Miami School of Law. Her parents are facing foreclosure on the Miami house she grew up in. They're luckier than others, since they have another home to fall back on, but the experience has convinced Paschal how acute the crisis is in Florida, which now has the nation's highest mortgage foreclosure rate, at 17%. "I'm part of this community," says Paschal, 25. "I can't escape how deeply this is affecting not just my neighbors but me as well...
Paschal plans to practice business litigation next fall once she joins the firm that hired her. In the meantime, she will put her legal education to use for South Floridians like her family thanks to a $10,000 foreclosure-defense fellowship she received from the UM law school. The innovative new grant program has sent out eight recent grads this month to help local residents navigate one of the law's most labyrinthine arenas. (See pictures of Cleveland's struggle with the housing crisis...
...Greater Miami Inc., which is mentoring some of the UM fellows, says foreclosure defendants also need attorneys to help them fend off all-too-frequent lender practices like exorbitant escrow claims. "Homeowners who have lawyers are usually prevailing in those cases," says Lombardi. But she notes that unless homeowners fall below the federal poverty line ($22,000 for a family of four), they can't qualify for the free legal aid that agencies like hers provide. That creates an obstacle for most foreclosure defendants, who aren't impoverished but because of job loss and other circumstances that brought them...
...partly to assuage the sting of compromise. Merkel said that she would be seeking the withdrawal within the context of NATO, rather than as a unilateral measure. "We don't want to act in this matter on our own," she said. (See a pictorial history of the rise and fall of the Berlin Wall...
Last year, Harvard Law School went a step further in promoting public service careers as an attractive option for graduates by offering tuition waivers for third-year students who commit to working in public service for five years. This fall, according to Law School Director of Student Financial Services Kenneth H. Lafler, 58 third-year students have signed up for the initiative, which will be run for five years as a trial program, with a budget of $3 million per year...